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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,436 | $27,639+64.4% | $61,501-26.1% | $68,490-33.7% |
| Participation rate | 34.2% | 39.5%-5.3pp | 52.6%-18.4pp | 67.9%-33.7pp |
| Annual return | -17.21% | -13.19%-4.0pp | 339.04%-356.2pp | -7.85%-9.4pp |
| Employer contribution / active EE | $988 | $696+41.9% | $1,160-14.8% | $2,597-62.0% |
| Participant deferral / active EE | $1,651 | $1,264+30.6% | $2,125-22.3% | $4,028-59.0% |
| Admin fee / account holder | $1,063 | $2,012-47.2% | $2,132-50.1% | $5,403-80.3% |